• Once the Specified Item is in the list Click the "Edit" button next to the
Specified Item whose details you need to change.

• The information is loaded back into the input fields

• modify the Specified Item's details.

• Click the "Update" button.

To Delete a Specified Item :

• Once the Specified Item is in the list Click the "Edit" button next to the
Specified Item whose details you need to change.

• The information is loaded back into the input fields

• Click "Delete" button

• The Specified Item will then be removed.

Information

Luggage Specified Items

You can insure items, pairs or sets of items (including sporting equipment and cameras)
up to AU$4,000 by paying an additional premium of 4% of the total Insured value
of the items you wish to specify.

The maximum cover per item, pair or set of items is AU$4,000.
The maximum total for all specified items, pairs or sets of items is AU$8,000.

A pair or set of items is treated as one item (e.g. a pair of earrings, a camera
body and its standard lens and accessories, or a set of golf clubs).

In the event of any claim You must have paid the appropriate additional premium
and You must be able to show us a receipt or valuation issued in the twelve months
before the commencement of Your Trip in support of Your claim.

Quote

Your Details

Buy

Medical Conditions

Existing Health Disorders

If you have an Existing Health Disorder you will need to call 1800 008 473 to complete an assessment. The assessment will determine whether we are able to provide you with cover for that disorder. Please read the following for further information. Please note: If the Existing Health Disorder is accepted, a non-refundable $100 administrative fee will also be charged for assessing Your application for Existing Health Disorder cover. Payment can be made by Credit Card over the phone.

What is an Existing Health Disorder?

Travel Guard

Existing Health Disorder means:

(a) any illness, disease or other condition, including symptoms thereof suffered by You, Your Relative, business associates, or Travelling Companion, which in the one year period before You applied for this insurance:

(i) first manifested itself, worsened, became acute or exhibited symptoms which would have caused an ordinarily prudent person to seek diagnosis, care or treatment; or

(ii) required taking prescribed drugs or medicine, or tests or further investigation had been recommended by a legally qualified medical practitioner; or

(iii) was treated by a legally qualified medical practitioner or treatment had been recommended by a legally qualified medical practitioner.

(b) It shall also mean any congenital, hereditary, chronic or ongoing condition of Yours, Your Relative, business associates, or Travelling Companion which You or they are aware of, or could reasonably be expected to be aware of, before You applied for this insurance.

How do I apply for Existing Health Disorder cover?

If you have an Existing Health Disorder, simply call Travel Guard® on 1800 008 473 to complete our phone-based medical assessment. Before you call please refer below to conditions that may be covered as you may not require a formal assessment.

• If the Existing Health Disorder is accepted, a non-refundable $100 administrative fee will also be charged for assessing Your application for Existing Health Disorder cover. Payment can be made by Credit Card over the phone.

• Travel Guard® will advise you of the outcome of the assessment on the phone and arrange a confirmation letter to be sent to you.

• If cover can be provided, Travel Guard® will advise you of the terms of cover and Plan Code, together with an Assessment Number.

• Cover of Existing Health Disorders is limited to the approval for the original Policy and cannot be extended.

You must retain a copy of our confirmation letter, which contains your Assessment Number, in the event of submitting a claim.

You will need to provide the medical assessment unit with the following:

1. Relevant traveller's full name and age;
2. Details of the Trip;
3. Details of condition, current treatments and medications;
4. Contact details of the relevant traveller's current Doctor; and
5. Medical reports as required by the medical assessment unit.

The provision of any information or reports required by the medical assessment unit will be at your expense.

Policy cover for Existing Health Disorder cannot commence until We have reviewed the required information and advised acceptance of Our decision.

Any Existing Health Disorder cover is limited to the term of the original policy.

What conditions are covered automatically?

The conditions which follow are automatically covered under this Policy, subject to You satisfying provisions 1 and 2 below.

Provisions for Automatic Acceptance

1. Automatic acceptance is only available for Your conditions provided there are no planned procedures, and there have been no complications or exacerbations of the condition within the last 6 months. In all other circumstances, cover for Existing Health Disorders is subject to application and assessment as outlined under Assessment of application in the PDS.

2. Automatic acceptance does not apply if You request an Existing Health Disorder assessment for any reason. If You request an Existing Health Disorder assessment Travel Guard® will fairly assess Your application on the basis of Your medical history. Travel Guard® cannot guarantee acceptance and the assessment outcome may be to decline cover for Existing Health Disorders even if You suffer a condition that is noted on the Automatic Acceptance list below.

If in any doubt we recommend that you undergo a medical assessment. Please note additional charges apply and applications can only be made by persons travelling under this policy.

• Broken/Fractured Bones (providing these are completely healed with no ongoing treatment or residual problem)

• Cataracts

• Coeliac Disease

• Eczema

• Essential Tremor

• Gastric reflux

• Glaucoma

• Haemorrhoids

• Hayfever

• Hiatus Hernia

• Hip/Knee Replacements - performed more than 12 months ago and no ongoing treatment

• Hypothyroidism

• Insomnia

• Menopause / HRT

• Restless Leg Syndrome

• Tinnitus

• Varicose Veins

What conditions cannot be covered?

Some medical conditions and health-related events cannot be covered. These
are summarised as follows:

• conditions for which you have been given a terminal or malignant prognosis

• sexually transmitted diseases or viruses

• AIDS, HIV or AIDS related conditions

• alcohol or drug addictions

• your suicide or attempted suicide or self injury

• continuing with any form of treatment begun before your journey

• pregnancy or childbirth

• where you are travelling against medical advice

• where you are travelling for the purpose of obtaining medical advice or treatment

• any Existing Health Disorders of relative(s) who are not part of your travelling party.

For precise wording please refer to your Policy Wording.

For more information
If you have any questions about our assessment, please contact Travel Guard® 1800 008 473.

Information

Choosing a plan to suit your itinerary

International Travel Plans (F12, C12, D12, E12)

You should select the travel plan designated for Your destination.
If You have a multiple destination itinerary You should select the travel plan for the destination where You will spend the majority of Your Trip overseas except where You will spend more than 96 hours of Your Trip in the continents of North America, South America or Antarctica.
If You will spend more than 96 hours of Your Trip in the continents of North America, South America or Antarctica then You must select the Platinum Plan.

This policy will not cover any loss, damage or legal liability arising directly or indirectly from Travel in, to, or through Afghanistan, Cuba, Democratic Republic of Congo, Iran, Iraq, Liberia, Sudan, or Syria

This policy will not cover any loss, damage or legal liability arising directly
or indirectly from Travel in, to, or through Afghanistan, Cuba, Democratic Republic
of Congo, Iran, Iraq, Liberia, Sudan, or Syria.

Each insured must be under 70 years of age and needs to be included in the cover as an Insured Person. If insured persons are over 69 please refer to the Home Page for alternative cover options.

Type of Cover

Single Cover

If You select 1 adult, You will be issued with a single cover Policy. This Policy
will cover You and Your financially dependent children or grandchildren, who are
all under 25 years of age, who travel with You.

Family Cover

If You select 2 adults, You will be issued with a family cover Policy. This Policy
will cover the same persons as single cover plus Your spouse, de facto partner of
either gender or any adult Travelling Companion named in the Certificate of Insurance
who travel with You.

The AIG logo is a registered trademark. You should read the Product Disclosure Statement
and consider the PDS in light of your personal circumstances, prior to making any decision to
acquire the product.

† The savings are calculated by comparing with AIG full price premiums as detailed at aigtravel.com.au current as of today. Savings do not apply to pre-existing medical assessment fees.
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